John has been taking care of my dad’s Medicare needs for several years now. John is patient, thoroughly competent, and always works in his client’s best interest. I recommend him to anyone!
At Delaware Valley Medigap
We Speak Medicare
Why Choose Delaware Valley Medigap
Every Individual Has a Unique Situation
At Delaware Valley Medigap, we understand this whole-heartedly, which is why we work hard to find the right plan for your unique situation and simplify the process so that you feel comfortable in any decision you make with selecting Medicare coverage.
Independent Licensed Insurance Agent
What We Do Best
Unraveling the Complexity of Medicare
Do You Have Questions
We Have Answers For You
If you have paid into the system for at least 40 quarters or 10 years you will receive your part A free and the large majority of people will pay a $170.10 (2022 prices) premium for Part B. For those with higher than average incomes ($91k single/$182k married), premium costs may be higher.
You can sign up for Medicare starting three months prior to the month in which your 65th birthday falls and up to three months after that same month (7-month total period). For example, if your birthday is April 18th, you can make an application on January 1st through July 31st and your effective date will be at the soonest April 1st or the first day of the month after you make an application if later than April 1st. If you miss this window you will need to apply January 1st through March 31st (Medicare open enrollment) of the following year for a future July 1st start date and lifelong penalties may be applied.
Yes, if you are receiving a monthly Social Security check and receiving Medicare benefits, you have no option other than allowing Medicare to debit their monthly premium from your Social Security check. This will happen automatically when you are receiving both benefits simultaneously.
Having original Medicare only opens you up to a tremendous amount of risk in the event that you become seriously ill or injured. Medicare has deductibles and coinsurances, but the most dangerous is the fact that you are responsible for 20% of an unlimited bill. There is no cap on your responsibility and this can devastate your finances.
A Medigap plan, also known as Medicare supplement, is a private insurance contract that is standardized by the Centers for Medicare Services (CMS) that helps Medicare recipients pay the deductibles, coinsurances, and 20% that Medicare does not cover.
Not yet, Unless you are receiving a social security check (which would trigger an automatic monthly withdrawal/payment) Medicare requires your premium to be paid 3 months at a time in advance. Medicare does offer and online auto pay feature, maybe one day soon they will catch up with the rest of the world and offer a monthly option.
We’re Helping Clients Close the Gap With Their Medicare Plans and Coverage
Schedule an Appointment
By submitting this form and providing your information (such as name, phone number, and/or email address), you agree to allow a licensed insurance agent, or other authorized representative from our organization, to contact you by phone, e-mail, or mail to answer your questions and provide additional information about Medicare Advantage, Part D, or Medicare Supplement Insurance plans.
Client Testimonials
What People Are Saying
I’ve been a client for three years now. At 3:00 AM today… I was awake and had a question so I texted… I honestly thought it would get addressed the next business day well… low and behold .. only a few minutes later my issue was resolved… now that’s customer service! Highly recommended!
John went above and beyond when looking to lower costs on my father-in-law’s prescription plan. He made sure we got the best price available for what was needed. I definitely recommend John at Delaware Valley Medigap to anyone trying to figure out Medicare and all the options out there!
